Showing posts with label Money. Show all posts
Showing posts with label Money. Show all posts

Tuesday, June 17, 2014

Unrealistic Expectations


I have said it before, and I will say it again: I am a dreamer.  I dream big.  The only problem is that what I dream and what actually happens are two different things.  


Take, for example, our budget.
I like numbers.  I like planning.  I have always taken on the budget in our marriage.  By doing this, I have taken on quite a bit of stress because I am married to a spender. 

We bought an RV, and though I do not regret the purchase, I hate that we have a loan on it.  I had all of these great plans on how to pay it off and pretty much live like paupers until October to do it.  Well guess what?  It’s not working.  Again, because I am married to a spender.

Now, when I say that Todd is a spender, please realize that I’m not talking big ticket items.  He buys things that we need around the house and a couple of frivolous items once in a while (or what I think are frivolous such as an extra set of pots and pans for the RV when I was OK with trekking the pots and pans for the house back and forth).  I call him the spender because he spends more than I do.  If it were up to me, I would not buy anything but gasoline, groceries and dog food!  I am good with “making it do.”    

After a week of stressing out about finances, having a car break down, a garage door spring pop, and a couple of medical bills to be paid, I threw my hands up and said I was done with scrutinizing each penny that comes into our home.  I am done worry and stressing about how we are going to pay off the RV by October.  It will not be the end of the world if we don’t get the RV paid off until December!! My marriage may actually benefit from putting off the payoff date by a couple of months!  We have had over a $12,000/year decrease in our income this year – I cannot have the mindset that we can still put away the SAME AMOUNT as we had in previous years based on our previous income.

I have decided that it is time to loosen up a bit when it comes to the finances.  As long as we are accelerating our RV payments, squirreling money away into savings and not “pissing away” (for lack of a better phrase) our incomes, I am content with lightening up about our finances!  We have worked hard for years to pay off our debt and pay down half of our mortgage: it is time to enjoy ourselves (within reason)!


Are you hard on yourself when it comes to finances?
Do you have unrealistic expectations as I do?


Wednesday, March 26, 2014

The Downside of Debt

In January, we took a loan out for the RV we purchased.  I justified the purchase at the time (we always do when we really want something, don’t we?) but when the first payment of over $1,000 was due in February, I was reminded of how much I hate debt

The day we signed the loan papers on the RV was the day that my husband was let go from his job of over 8 years and therefore we went without a paycheck for nearly 3 weeks until he was on payroll with his new position.  The very next week after his first paycheck I was informed that my hours (and therefore pay) would be cut by25%!  

It has been over a month, and we are still juggling our income and expenses to get on some sort of regularity, but the budget has really been kattywampus.  Part of the reason is that extra $1000 payment that is being sent out each and every month on top of a decrease in income.

I mentioned in the post about our RV that we will be paying off the house by October.  I have changed my mind about that.  I want the RV to be paid off – AS SOON AS POSSIBLE! I do not like the uncertainty that this $1000+ payment brings to our lives.     

To me, debt feels like I am trapped, suffocating and out of control with uncertainty peaking its head around every corner.  Debt has made our 6 month emergency fund a 3 month emergency fund and this is unsettling.


My new goal for this year is to have the RV paid off by October and I never want to be in debt every again (except for a (very small) mortgage if we choose to settle down in one spot again in the future).  

Wednesday, February 26, 2014

Saving Money: Pet Care

Since the beginning of November, Todd and I have been scrutinizing our expenses.  We realize that our dream of full time RVing will not be possible if we are frivolous with how we spend money.  I am almost positive that my mother is rolling her eyes right now as she’s reading this (I love you, mom!) because she already feels that we go above and beyond frugality.  For us, we believe there is always room for improvement and we have found a way to cut down the expenses on one of our largest expenses: the animals!

Presently, we live amongst 7 animals.  Please do not report us to pet hoarders!  It’s not like that at all, though sometimes at night when we are all in bed (oh yes, we fit in a queen sized bed with two large dogs and 5 cats) it feels like we may have taken in one or two (or 5!) too many strays.  I believe that when we decided to take in all of these animals, we chose to take on the responsibility of feeding and caring for these animals to the best of our ability.

Recently, we have found ways to save money on caring for our critters.

Spay/Neuter
Prices for spay/neutering can vary.  We have paid over $250 for one of our kittens to be spayed whereas we have paid less than that amount to have 3 kittens spayed/neutered at a no-kill shelter.  After being unhappy with our local vet, we decided to look elsewhere and found a place that spays/neuters cats for $35 (boys) to $45 (girls)!  They have a program that if you have more than one cat, you buy one spay/neuter and you get one free.  We have had 6 of our animals spayed/neutered at this no-kill shelter and have been very pleased with the results and how our animals bounced back after their surgeries.


Kitten Kaleidoscope!



Food
We purchase very high-quality food for our dogs that is formulated for their breed to help keep their joints healthy and to maintain a healthy weight.  We could buy the food at a pet store for $55+/bag; however, Amazon carries the same brand for $44/bag! We also found that our cat food is $8/bag less expensive at BJ’s versus the same exact brand at WalMart.  In other words: shop around!

Vaccinations
Our vet charges an arm and a leg to vaccinate our pups; however, there are clinics that are offered at Pet Supplies Plus that come around every few weeks to vaccinate dogs and cats starting at $10!  By doing this, you avoid the fee that the vet charges just to see your pet, and it helps your pocketbook!  Also, the no-kill shelter offers these vaccinations for a fraction of the price as well.

Flea Treatments
Flea treatments for the dogs are extremely expensive at $10/dog per month and we have been purchasing product from WalMart for the cats.  I found that Fipronil has the same ingredients as Frontline and Advantage flea and tick control.  This can be used for both dogs and the cats.  We purchase this product in bulk (30cc’s) from a seller on eBay at $52.97 delivered to our door and administer it ourselves.  The treatments last us 5 months for all 7 critters to be free of fleas and ticks.

Buddy and Lana on Christmas Morning


Cat De-wormer Treatment
Our cats are great hunters and because of this, they tend to get worms from their prey a couple times a year.  We have tried the $8/bottle over-the-counter product from WalMart and Tractor Supply with no luck until we take the cats to the vet to get treated.  After doing some research, I found that Praziquantel is a generic form of de-wormer that kills tapeworm and is used in many vet clinics and shelters to help cut costs.  We now purchase 20 capsules of Praziquantel a year from a seller on eBay to keep on hand and administer to our cats when they have worms.  The cost is $19.99 and each of our 5 cats can be treated 4 times!

Grooming
Being Labs, our dogs do not need groomed; however, they need their nails trimmed.  Lana has black nails so it very difficult to cut her nails without having a bleeder.  Buddy’s nails are easier to trim because you can see the quick; however, he cannot stand to have them done.  I wait until he is zonked out before I can cut his nails.  We didn’t purchase any fancy schmancy nail-clippers, just regular ones that can be found at the dollar store or WalMart. 

I have yet to find an alternative for the dogs for their heartworm medication: if you know of anything, please let me know!

I want to make it clear that even though we save money on flea treatments and de-wormers, we take our dogs to the vet twice a year (for their heartworm shots and general checkup) and cats when needed.  I believe that when we took these strays in, it became our responsibility to care for them and to keep them healthy!

DISCLOSURE:  These items have been provided for informational purposes only.  Please note that I am not a veterinarian.  Please consult your veterinarian before administering these items to your pets.


What do you do to save money on your pets?


Monday, February 17, 2014

Silver Linings

The beginning of 2014 has been a tough one in our home.  January 17th, Todd was let go from his job of over 7 years.  He was fortunate enough to find a new position that same week and started his new job a few weeks later.

On Valentine's Day, I was informed that my hours at work would be cut starting the next week, therefore, my pay would be cut...by 25%.  To say that I didnt see this coming would be a lie - the company has been selling less and less with each passing month with February being nearly dead.  Over the past couple of months, I've witnessed a coworker lose 25% of his pay (and maintain his hours), another one let go and yet another who had his hours cut by 25% as well. 

After the shock of learning that my hours have been cut for a job that I have been going to for over 11 years, I quickly realized the silver lining that this provides me (and Todd).  They include:
  1. More time in the mornings to spend with my husband and our fur-family. 
  2. Time to be able to get out when the sun comes up in the morning with the pups to get exercise in each day: there are no more excuses!
  3. Time to get my chores done...before work!
  4. Time to focus on starting the business that has been floating around in my head for the past 6 months.
  5. No more alarm clocks needed in the mornings since I dont have to leave until 9:30.
  6. No more rush hour traffic!
  7. Less time away from home and my fur-babies.
  8. The realization that we live as we do (watching/minimizing our spending and having an ample emergency fund) for times like these.  
The truth of the matter is that I have not been happy where I am working for many years.  This very well be the push that I need to get out there and find a position closer to home that is more in line with how I best do business (creating and maintaining strong relationships) and an employer who is willing to foster my yearning to learn and grow as a professional. Todd was able to find this in his new position and comes home every day saying, "Why didnt I do this sooner?"

I am thankful to have a husband that supports me in whatever I decide to do: stay with my current employer with the limited hours or find a new position.

What are you grateful for today?

Tuesday, January 28, 2014

Saving Money: Cell Phone Plans

 It has been over 6 months since Todd and I have switchedfrom a contracted cell phone plan to prepaid.  We had AT&T, and I decided to stay with them because they had the best priced plan for how I use my phone: a lot of texting, few minutes and no data.  I also chose to stay with AT&T because I didn’t want to have to purchase a new phone.  Todd, on the other hand, wanted to try Straight Talk through Walmart.  Due to where we live and whatever service provider they were using, his signal was not the best and his calls were dropped frequently.  Thank goodness it was a month-by-month plan!  He then switched to T-Mobile’s prepaid plan and experienced the same issues.  By the third month, he switched to a Verizon prepaid plan and has been happy ever since! 

Our contracted cell phone plan was costing us $125.00+/month for 3 phones (Todd’s mom had one of the phones so they could talk mobile-to-mobile without burning minutes in our plan: we do not have a land line).  With this plan, we had a set amount of minutes that could be rolled over each month if they went unused, unlimited text and only Todd’s phone had internet access.  Today, with have:

My Plan: 250 minutes/month + unlimited text for $25.00/month
Todd’s Plan: 500 minutes/month + unlimited text + unlimited data use* for $35.00/month

This works perfect for us.
I have yet to use all of my minutes each month though Todd has had to conserve his minutes at the end of each month (I married a talker and a mama’s boy!).

I like that with these cell phone plans, we are paying for only what we really need and use.  By doing so, we are saving over $60/month on our cell phone plans.  Not only that, if for any reason we want to eliminate a cell phone, we can do so without the large penalty!

Do you use your cell phone for fun (social media, games, etc.) or just as a way to communicate with others?  Have you considered a prepaid phone? They sure have come a long way from the TracPhone I had in college for emergencies!


*In order to be part of this plan, they do not allow smart phones.

Wednesday, December 4, 2013

Thrift Store Finds


We purchase the majority of our clothing from a thrift store in Akron, OH.  This place is enormous and it’s {nearly} impossible to walk out empty-handed.  We like the quality, assortment and prices offered on their clothing.  They also have shoes, household items, seasonal items and even some new clothing available; however, we focus on the gently used clothing.  I try to make the trek twice a year to update my wardrobe (or to replace the items that are worn out or have stains on them because I cant seem to eat without getting food on me!) and it just so happens that we were able to get there this past Sunday before our 3rd (and final) Thanksgiving celebration with family.

What we walked out with:  6 shirts for me, 2 light jackets (one is a London Fog that looks brand new) and a camo shirt for Todd.  The total cost: $17.88.  Less than $20 and I have new shirts for work and play!

In years past, I had to try on clothing in the corner of the store to ensure they fit.  It is hard to tell how a piece of clothing will fit when having to try it on over another piece of clothing which led to purchasing a couple of items on each trip that really did not fit well and therefore went straight into the donate pile of clothing.  Now, the thrift store has dressing rooms!  Out of the 14 items I tried on, only 6 pieces fit properly. 

This is what I got:

 

 



Before washing and putting away my new clothing, I decided to go through my closet and purge the items that I don’t like, don’t fit and I don’t wear. 



I decided to get rid of all of my t-shirts except for 3 of them which I will use as pajamas, to work around the house and to exercise in.  It really kills me to get rid of clothing that I’ve never worn: I’m not sure why I decided to purchase the shirts as souvenirs in the first place because I have always looked horrible in them.  Now, someone else can enjoy them.  I was able to purge 15 items before adding my new thrift store finds to the rotation.  The clothing I purchased is {mainly} short sleeved.  I have a grey sweater, two black sweaters and a tan sweater I can wear over them to stay warm through the winter months.  I would like to invest in a couple of halftees (beige and black) so that I can wear my clothing spring, winter and fall.  

I wear the same clothing week in and week out.  It has been a constant struggle  process to try to downsize my wardrobe.  Even though I still have more than I need this is something I am consciously working on.

Do you shop at the thrift store?

What has been your experience?
Are you able use the one-in, one-out rule?

Thursday, October 3, 2013

Make it Do

I have a favorite quote that I’ve heard stated two ways:

1.)    “Use it up, wear it out, make it do, do without.”
2.)    “Buy it used, wear it out, make it do or do without.”

I like the second version best and this mantra is always going through my head every time my husband wants to purchase a new item.

As I walk around our home, I am constantly reminded about how we “make it do” from room to room.
For instance, our house needs the electricity rewired.  I cannot run the dishwasher and the bedroom air conditioning at the same time without blowing a circuit.  Nor can I use our small convection oven (I use this in the warmer months so that we don’t heat up the whole kitchen using the oven!) and the microwave at the same time due to this same reason.  We have plans to fix the wiring, but it is not high priority right now.  These are just minor inconveniences in my view.

Todd has wanted a king size bed for a little over a year now as our fur-family has grown.  We share our bed with 150 lbs of dogs and sometimes three 6+lb cats!  Add to that two overweight adults and I will admit it gets a bit cramped.  Please note that all the animals tend to take over my side of the bed – which leaves Todd able to sleep with his legs outstretched as I wake up curled in a ball most mornings trying to dodge animals (if you are contemplating letting an animal sleep in your bed – please keep this visual in mind!)    I keep trying to put off the purchase of a king sized bed because we purchased a nice locally made mattress just 4 ½ years ago.  I really like our sleigh-bed that Todd brought into the marriage and the mattress we have is extremely comfortable!  No matter how many times he shows me California king sized beds on Craigslist and how inexpensive they are, I am not budging on this issue until it is time for us to get a new mattress.

Case in point: Hubby is all sprawled out while I'm in the corner with 2 large dogs on my side of the bed!
We came to a compromise recently when we purchased a {used} ottoman from Craigslist for $35.  The ottoman is 48” long by 27” wide: plenty of room for a pup (or both!) and a few cats if they so choose to snuggle up with the dogs.  We realized within an hour of owning the ottoman that the color choice was not the best (beige) for animals, so we are using a camo throw on top of it to hide black dog hair and dirty paw-prints!  Voila.  Hubby is happy that he gets even more space in bed, and he has his precious Lana right there next to him at all times during the night.  Buddy, on the other hand, still chooses to sprawl out on my side of the bed, but luckily he likes to sleep at the foot of the bed, so it’s not too much of a bother.



I have a laptop that is 3 years old.  It’s big and clunky compared to what is out there in the market (and what everyone else seems to be using right now) but it does what I need it to do.  I asked Todd to do something on it for me (yes, I’m the one with a degree in Computers & Information Systems but I have to ask my husband to fix my computer!) and he said, “I don’t know how you work on that thing! We can go and get you another one.”  No, thank you.  I cannot justify getting a new one until this one dies on us.  Let is also be known that I don’t do well with change and I finally figured out how to use this laptop!

I believe we (mainly me) will always have a “make it do” mentality, but we will definitely be replacing the breaker-box in the near future as well as getting a new bed in the next 5-7 years.  We are strategically putting purchases of little importance off to continue our focus on paying down the mortgage.  Right now, we are on track to have the mortgage paid in full by October 2014!!  This goal helps us to keep our spending in line because we can only imagine the freedom we will have in one short year when we own our home free and clear.

Do you “make it do” around your home?
I’d love to hear about it!

  

Friday, July 5, 2013

Acting Poor

There was an article written earlier this week about “acting poor” to give you choices.  I feel like this is what Todd and I have been doing more so now than ever before.  Make no mistake, we spend money on things that are important to us; however, for everything else, we make it ourselves (thank goodness for a handy hubby!), buy used, shop around, or do without. 

There are so many people we know who say “I couldn’t live like you do.”  I don’t understand what we are doing that makes people think that we do not enjoy our life or that we live a life of poverty.  We feel quite the opposite, actually.  We feel know we live a life of abundance!  We lack for nothing.  We have traveled, experienced and learned so much because we aren't afraid to jump in with both feet (homesteading, raising a pig, raising chickens, remodeling a house) and  have had more fun than most people we know.  We have done more in our short marriage than some people have done in their entire lives!

Here’s the thing:  We take pleasure in finding a good deal and saving our pennies.  I find satisfaction in making my own baked goods from scratch, making enough homemade laundry detergent that lasts the entire year for $3.62,  growing of our food, shopping at thrift stores, browsing flea markets, going to garage sales, cancelling the cable, downgrading our cell phone plans, attempting to be more energy efficient by using the dryer and dishwasher less and installing smart strips as well as negotiating prices for our utilities.  We take pride in going on cheap dates together.  Again, this may seem extreme to some people, but we do this so that we can spend our money on what is important to us: experiences together!  Annual anniversary trips, surprise birthday fun, investing in time together and spending time and traveling with family. 

If acting poor enables us to do all of these things together, I will gladly give up the smartphones, new cars and eating out multiple times a week.  For us, it's worth it.  Not only does acting poor enable us to create lasting memories together, it also enables us to reach for our goal of financial independence


Tuesday, June 4, 2013

Hire a Housekeeper or Do It Myself

I enjoy having a clean home, really I do, but the truth of the matter is: it is rarely ever  never completely clean.  Yes, counter-tops are wiped own, the dishes are clean and put away, the floor may be swept (twice a month if I’m lucky), and the bed may be made (twice a week), but that is about the extent of our “clean” home. 

I was sitting at home thinking about all I had to get done on Memorial Day weekend to make the house half-way clean.  Sweep the floors, clean the bathroom, put away clean laundry, etc.  And then it dawned on me, I don’t think we have cleaned the baseboards since we moved in February 2007!  This may be because we (by “we,” I mean Todd) have redone the main living areas of our home which included new flooring, painting, new baseboards and trim, new doors and closets, and the like over the years, but still, we have yet to do a deep cleaning of our home.

I found a company with a coupon online that would come in and do a deep cleaning of our home (6-8 hour service) at a discounted rate for Mother’s Day.  I talked to Todd about it and told him I wanted to hire someone to come and clean our house thoroughly twice a year and then maintain it every 2-3 weeks.  I was ready to give the woman a call and set up an appointment…until I saw what was on her list of services.


This is the actual list of services from the company.
When I read through each item on the list, I put a time on how long it would take to complete these tasks on my own.

  • Wipe down the outside of the microwave: 1 minute
  • Clean inside of microwave: 5 minutes
  • Wipe ceiling fan in master bedroom: 5 minutes

After I went through the entire list…I realized that I can do this!  The list didn’t seem as overwhelming when I put a time to complete each item on the list.  It will not be completed in one day, but if I do one section a day, I can easily deep clean our home within a week to two weeks at the most.  I spend too much time online as it is, if I just cut my time online and replace it with cleaning 30 minutes an evening or in the mornings before work, we will have the clean house I always wish we had. 


I am taking this list, printing it up, and will go through each and every line item on the list of services on my own and see how long everything takes to complete.  Hopefully, within the next month, I can report to my fellow readers that I have completed the list in its entirety as well as kept up with maintaining the cleanliness of our home.  Who knows, maybe we can even invite some people over and not have to clean like mad-men the entire morning before they arrive!  How nice and relaxing would it be to already have a clean home and not have to worry about anything but enjoying time with company! 

Monday, March 25, 2013

Correlation: Limiting Clutter and Lower Spending

I finally have my husband on board with de-cluttering our home and acknowledging that we have too much stuff.  It took me organizing my closet and commenting on how much I love how clean and organized everything was to get my husband to join the club.  He started with his closet, purging the majority of his clothes: many of them I had never even seen him wear.  Next, he turned all of his clothes one way.  If he wears an item, he will hang it up the other way so he can see what he does and does not wear.  In other words, hubby is taking this de-cluttering idea further than me! J 

After we purged and organized the contents of our bedroom closets, armoires, storage under the bed, bedside tables and dressers, we moved onto the kitchen.  I woke up one morning, and Todd had all of the contents of our kitchen cupboards on the countertops and dining room table.  We went through every single item, getting rid of those that were expired or items that we would not use.  This took us less than 45 minutes to complete: we took on this task one morning before I left for work!

Confession:  The oldest item we found in the cupboard was a box of cornbread muffin mix in a box.  I have been making my own homemade cornbread for the past several years, so I never had a need to use the boxed product.  The expiration date:  April 2009! 

Now, we are going through our home room by room, little by little, getting rid of the contents we do not use as we go.  I still have a date with the Tupperware/storage container cupboard one of these weekends, but things are coming along.

I have noticed that since we have been working on our home, the natural spender in our family (my husband) has been making fewer trips to Walmart before work in the mornings.  We went out for a date at the end of February and I was astonished that we went to 4 stores and spent only $9.12.  That $9.12 was on items that we needed only.

I am noticing a direct correlation between de-cluttering our home, the amount of stuff we bring into our home, and the amount of money we are spending.  Being the natural saver and the one who is looking to simplify our lives, I am enjoying watching this process unfold.  

Thursday, March 21, 2013

Saving Money: Print and Media


I have written before about going to the library, but I thought it was worth mentioning again.  To read the original post, you can find it here. 

We take advantage of our library every single week.  You can find me there picking up new release DVD’s, old DVD’s that we may have missed, movies I enjoy and want to watch again, audio books, and physical books.  I don’t believe in purchasing DVD’s or books unless I know I will watch or read them more than once.  This not only saves us money, but keeps stuff from accumulating around the house.

Lately, we have gotten into more resources our library has available. 

Magazines
I will admit that I enjoy reading magazines from time to time.  Instead of purchasing my own subscription, I get the magazines each and every month from the library.  Hubby has found this resource invaluable when doing research from Consumer Reports.

Newspapers
We had a gentleman come to our door asking if we wanted to get the local paper several weeks back: We declined.  We are able to check out newspapers from our town, the three larger cities around our town as well as national newspapers from our library.  We are not news or newspaper type of people – we enjoy a life where the negativity stays out of our home.  Some call it ignorance; however, we are unapologetic about being uninformed.  If a news story interests us online, we will read it.  We don’t like to be inundated with it.

Free Classes
Not only does our library offer book discussions, there are also classes to learn how to knit, use/create Google Docs, estate planning, seed-swapping and many other courses throughout the year.  I am amazed at how much our library offers considering we are a town of 5,000 residents!

Our library also offers a free online program to learn how to speak different languages.  I would like to learn how to speak Spanish, Italian and French one day.  Maybe I will try to re-learn Spanish come winter when there is no garden work to be done. 

What programs does your library offer?
Do you take advantage of them?

Monday, March 11, 2013

The Chickens Are Earning Their Keep



 
 
We have been getting a consistent supply of eggs from our 7 hens since the beginning of the year.  A co-worker had put dibs on fresh brown eggs since November of last year.  A price was agreed upon and then we (patiently) waited for the first dozen eggs to become available.

We are finding that the new breeds of hens we have right now are not as consistent at laying eggs as our originals.  Their eggs are also smaller than our original hen’s eggs.  Due to a problem with a hungry red tail hawk this past winter, we lost 3 full-grown chickens in the span of a month; one of them being one of the original red sex link hens who was our best layer.  Let me tell you, our red sex links lay an egg almost every single day and their eggs are huge: we are talking XL or XXL.

In January and February, we sold 5 dozen eggs to my coworker friend as well as another coworker.  The proceeds from the sales are almost enough to purchase another 50 lb. bag of chicken feed.  The best part is: we still have more than half a bag of food for the chickens to (hopefully) last us another month or two.

My goal for this year was to spend no more than $50 on chicken feed by supplementing their diet with mealworms, table scraps, food from the chicken garden and free food we get from friends and family that is expired.  So far this year, we have purchased 1 bag of chicken food for $17.24.  This is about $4 more than what we usually spend on their food, but we needed it and it wasn’t worth driving 30 additional minutes to get it from our usual supply store. 

As mentioned, we still have more than half a bag of food left for the chickens.  Assuming we sell another 5+ dozen eggs in the next month and a half, we will have more money from the sale than the food costs to feed the chickens.  Not only that, we eat our fair share of chicken eggs throughout the week! To me, this is a win-win scenario!

Are your chickens earning their keep?
How many do you have?

 

Monday, February 25, 2013

Recipe: Homemade Laundry Detergent (HE Washer Friendly)



Yield: 10 gallons 

Ingredients:

  • 1-14.1oz. bar of Zote Soap (the pink stuff found in the laundry isle)
  • Water
  • 1 cup Borax (optional)

Equipment Needed:

  • 5 Gallon Bucket (you can get these free from the local bakery)
  • Stir Stick
  • Cheese Grater
  • Funnel
  • Cup
 
Instructions:







I forgot to mention: Shake well before pouring.
 
 
Zote soap usually sells for less than $2.00/14oz. bar at WalMart or Target; however, it is not available where we live (we looked at 10 different stores within a 50 mile radius of our home).  That being said, I ended up purchasing 6 bars on eBay at $3.12/bar.
Price Breakdown:
What we were using before the homemade detergent:
 
100 loads at $7.69/jug
Price per load: $0.0769/load
Homemade Detergent:
 
Zote Soap: $3.12
Borax (I had on hand – I would say I used $0.50 (or less) worth)
Price for 10 gallon batch: $3.62
Price per gallon: $0.362
Number of loads per gallon: Approximately 16
Price per load: $0.023
The real question: Does it work?
I have been using this detergent solely for about a month now.  I have seen absolutely no difference between the detergent we had been using and the homemade detergent.  For 1/3 the price of the store-bought detergent, hubby and I both agree that the homemade is just as good (if not better) than the store-bought detergent. 
My husband has a stinky, labor-intensive job that makes his clothes almost black after a full day of work.  Unlike the homemade detergent I’ve made in the past, this stuff leaves his clothes clean and smelling fresh.  I decided to use the borax in our detergent mainly because of how dirty his clothes get at work.  Hubby recently washed several of his jackets, and before he went outside, he opened up his jacket and told me to “smell.”  It smelled nice and clean – and I love it!  ((Yes, I like when laundry has a scent to it.  When we wash sheets and the comforter, I lay in bed and sniff for a few days before my nose gets used to the scent.))


Do you make your own laundry detergent?
What has been your experience? 

Thursday, February 21, 2013

Learning to Live on Half our Income


This year, Todd and I are attempting to live on half of our income.  We both make roughly the same amount of income each year, and we had been putting 40% of our combined income toward our savings goals for a couple of months in 2012 with no real pinch in our finances.

Since January 4th, the first paycheck that we received, I have been surprised at how tight the extra 10% feels on our budget.  We are nearly two months into this project of living on half our income and let me tell you, I commend those who live on one income!  Our expenses are extremely low yet we have been feeling the pressure to stay within our goal of living off of 50% of our income this year and next.

I am learning some very valuable lessons while going through this with Todd.

His Spending Habits vs. My Spending Habits
I have known that I am the natural saver in our home; however, I didn’t realize by how much.  If I had control of all the finances, I think we would be doing just fine living on half of our income; however, I would have a very unhappy husband.  J  So really, is it worth it? 

Priorities
Every Friday when Todd gets paid, we have to set our priorities.  What has to be paid this week and what can wait*?  Do we have any money left over to go out or to buy items in bulk?  I am having a really awful day: maybe we should just go to Subway for dinner so I don’t have to cook.  Is it worth it? (The answer is no, by the way.  I had to suck it up and make dinner because I didn’t want us to have to scrape by for the rest of the week just because I was having a bad day.)

*Please know that we are not behind on any of our bills.   The few recurring expenses that we have are usually paid before the statement is even cut.    

Plan Ahead
There are some expenses coming up just around the corner we have to start saving for.  One of them is the 2 weeks off Todd gets (unpaid) during the plant shutdown each July.  Usually, the employees get sent home from work early several times throughout the month due to lack of work even before the plant shuts down for those two weeks.  If we neglect to plan ahead for this, it could be debilitating to our finances in July and may even make us lose momentum.

Communication is Key
We now keep a very low account balance in our checking account because half of our income is immediately transferred over to pay down the principal of our mortgage.  Because of this, there is not much wiggle room in our budget.  I have to keep Todd up to date at all times so that he knows when he can and cannot take a trip to WalMart or pick up the tab for lunch with his parents. 

The Emergency Fund Gives Me Peace of Mind
For me, the Emergency Fund is my security blanket that even allows us to take on this project of paying off our mortgage in 2 years and living on half of our income. Without it, I’m not sure I would be brave enough to take on such a task. 

We Can Get Through Anything Together
Though this new budget of ours has put a little pressure on our marriage, we know we are working toward a common goal.  If we can accomplish this task of living on half our income, we know that if something where to happen with one of our incomes or if we start a family, we can make it.

We are learning very valuable lessons by taking on this project and I am enjoying it every step of the way thus far.  If you are a one-income household, what advice could you share with us?

DISCLAIMER: I feel it is worth mentioning:  I realize how fortunate we are to be able to bring in two incomes and have the opportunity to attempt to live on one income.  This is a learning experience for us so that one day, we can live off of one income, whether that is his or mine. 

Wednesday, February 6, 2013

Saving Money: Groceries

I am challenging myself to lower our grocery budget by 25% in 2013.  This wasn’t necessarily a New Years resolution, but a way to save money so we can pay off our mortgage in 24 months.

In the past, I set a budget of anywhere from $200-250/month for groceries depending on how much meat we needed to purchase or if we were having company over.  There are just two of us, and this budget was doable without much hassle.  I like to spice things up when things get comfortable so why not challenge ourselves.

Our new grocery budget for 2013 is $187.50 or $62.50/month less than what we are accustomed to.  I am confident we can live off of this amount of money for our grocery budget without too much of a change in the way we eat.  This is what we have done and are going to continue to do to lower our grocery budget.

Grow a Garden and Preserve its Abundance
It goes without saying that growing your own food is one way to lower the grocery budget.  We have two established gardens which will require no additional expense other than planting seeds and patiently waiting for its provisions.

Starting a garden can be as expensive or as inexpensive as you make it.  In years past, we put a substantial amount of money into creating our garden spaces.  Luckily, it was a one-time investment and we are ready to start planting our garden(s) with no additional expense but a lot of sweat and labor.

We have a water bath canning system as well as a pressure canner (my new toy!) so I will be able to preserve whatever we are not able to eat and put it up in the pantry to eat throughout the rest of the year.   

Decrease Consumption of Processed Foods
Very few items in our home are processed.  We like to make our own meals from scratch and for the most part, stay away from processed foods.      

Limit Grains & Dairy
Todd and I try to eat a Paleo-type diet which is gluten, dairy and sugar-free.  That being said, we seldom purchase flour, rice, pasta, sugar, milk or other dairy products.  We try to keep our way of eating simple so as not to require the more expensive alternatives out there such as almond/coconut milk, almond/coconut flour, agave nectar and other gluten/dairy/sugar-free items.  Our meals include some form of protein and a lot of fruits and vegetables.

Buy Sale Items in Bulk and Preserve
Oh how I love a good sale.  I am known to go a little overboard with sale food items: meat and produce alike.  Now that I have a pressure canner, I can put those great sales on meat to good use by canning the meat for future use or to make our own heat and serve stews and soups.

When we buy from local farms (pick-your-own farms or produce stands), we try to buy enough to last us several months.  There is nothing like opening a jar of strawberry jam in February which was preserved the previous year.

We purchase 3-4 bushels of deer apples a year for $3/bushel (a bushel is approximately 45 lbs) at an orchard near my father’s house.  Deer apples are apples which have fallen to the ground.  Some people have a problem purchasing fallen fruit; however, the majority of the fruit is perfectly fine.  The damaged or bad fruit is fed to the chickens and they love it!  With this fruit, I am able to make applesauce in crock pots and can enough to last us the entire year as well as give some away as gifts.  I also make apple pie in a jar with these apples and it comes out perfect each and every time.  You really cannot beat it for $0.07/lb which is why I will continue to purchase deer apples each fall.

Meatless Meals
Once in a while, we like to eat meatless meals such as 3 bean chili, black bean burgers, loaded baked potatoes or a large salad.  Dried beans (and even canned beans) are very inexpensive to purchase versus meat and they keep our bellies full for an extended period of time. 

Shop Amish Salvage/Thrift Grocery Stores
In Northeast Ohio, we have a lot of Amish.  A few months back, I learned about Amish “dent and salvage” stores which are grocery stores in the heart of Amish country offering dented canned food items at a steep discount or food items coming close to their expiration dates. 

Todd and I try to visit these stores once every quarter.  It is incredible what can be purchased for less than $50.  It is enough to stock up our pantry (and then some) for very little cost. 

Beverages
Simply put, we drink a lot of water.  When we have company, we try to purchase their beverage of choice: some like tea, others like Pepsi, and when there are kiddos around, we get juice or flavored water.  Fruit juice is a thing of the past for us.  One thing my husband is addicted to is tomato juice, which can be expensive; however, he has learned to make it himself using tomato puree from a can for a fraction of the cost.

As with everything in life, little savings (and expenses) here and there add up.  We do not feel like we are depriving ourselves and we enjoy a good challenge. 

Do you challenge yourself to save money where you can?
What techniques do you use to save money on groceries?   

Monday, February 4, 2013

Super Bowl Feast

I am not one to watch or even enjoy football.  However, I know that Todd enjoys football.  Todd mentioned a deal from PizzaHut that he wanted to try.


After telling him that I was going to order this Dinner Box for the Super Bowl, Todd decided it wasnt worth it.  So...I was on a mission to try to make a Super Bowl meal that was comparable.

This is what I bought from the grocery store the day before:

DiGiorno Pizza - $5 (on sale),  Chicken Drumticks $2.53,
and potoatoes (about $0.50 worth)

And this is what we ate for the Super Bowl:


We ate well for just a little over $8...and we had leftovers.
I love that my husband WANTS to eat in instead of going out for fast food.


Monday, January 28, 2013

Learning to Live Without a Dryer and Dishwasher


As a part of trying to conserve energy, I decided to try to live without the clothes dryer as well as the dishwasher.  The first day I tried to live without these two appliances, I realized how easy they made my life.  They were truly a convenience I had come to rely on.  This is what I’ve learned over the past month by going without these two appliances.

Small Loads Are Best
The very first day I washed laundry, we had 3 large loads to do.  I put in the first large load into the washing machine to realize all of the clothes would not fit on our 3 drying racks.  So…I hung some up on the fireplace mantel and dried them extremely quick in front of the fire.

With the dishes, if I wash them as I go, it is not as overwhelming.  I have been washing the dishes after breakfast, which takes about 5 minutes.  I unload those dry dishes from breakfast while making dinner in the evening. When my husband cooks, he uses all  a lot of pots and pans, and the days he cooks, I am completely overwhelmed with a stack of dishes and want to throw up my hands in defeat by loading them into the dishwasher and hit the “start” button.

Frequency Rules
With laundry, I have learned to do several (smaller) loads throughout the week instead of 2 or 3 large ones on the weekends.  By doing this, we have enough room on the drying racks to allow the clothes to dry properly within 24-48 hours. 

As I mentioned above with the dishes, I wash the dishes after every single meal to ensure I don’t get overwhelmed.

It Ain’t Pretty
In the beginning, we kept the drying racks in the family room and they were not very pretty to look at
every time we walked into the room.  It then dawned on me that we could keep the drying racks in our spare bedroom to keep them away from cute little kitten claws (we have 3 – 5 month old kittens right now) and they are out of the way.  This has been working well for us.

 

Patience is Key
I have to laugh at this because I have no patience whatsoever.  It is so easy to hit a button and 34 minutes later you have dry clothes.  Hit the “start” button on the dishwasher and 2 hours later you have clean and dry dishes.

Now, it takes anywhere from 24-48 hours for our clothes to be completely dry (I am looking forward to the warmer weather when I can hang clothes outside on the line!).  I am learning to plan ahead instead of live in survival mode when it comes to dishes and laundry.  To me, it feels better to have laundry done and put away every few days instead of 3 heaping baskets of clean laundry waiting to be put away once a week.  It takes a little more time throughout the week, but it’s done and I don’t have to worry about it.

I joke that I would like to live the “simple life” like the Amish…without all the work.  I am learning that by getting rid of just two appliances, it creates a noticeable change in work load; however, I am (surprisingly) keeping up. 

I grew up with dishwashers and clothes dryers.  This is what I am accustomed to.  It is definitely a change in mindset to willingly go without, but I am enjoying it.  Right now, I am doing this to see if we can lower our electric bill and put the savings toward our mortgage payoff; however, I would love to be able to one-day create enough electricity to power our home.  Trying to reduce our energy consumption is one step closer to being independent of energy.

Do you live without a dryer or dishwasher?
What are your tips and tricks or advice for those of us just starting out in our journey of less “convenience” appliances?

This post is linked up to:

 
The Self Sufficient HomeAcre
 

Thursday, January 17, 2013

Saving Money: Utilities


We are two weeks into the New Year and as part of Operation Mortgage Payoff, I am attempting to cut our expenses as much as possible.  One way of doing this is to cut back on our utilities. 

I will be the first to admit that our home is an energy “hog” and I hate that we use so much electricity.  The house is mainly run from electricity with the exception of our heat which is propane.

I thought that by purchasing a smaller water heater earlier in 2012 to replace an old 80 gallon inefficient tank (the previous owners of the house had a hair salon on one side of the house) to a 40 gallon efficient tank, that we would see a noticeable decrease in our electric bill.  Unfortunately, this was not the case.

I have been racking my brain to think of ways to cut down on our energy use and this is what I’ve come up with.

Dryer
Back in July, we purchased an energy-efficient washer and dryer.  I enjoyed being able to wash an entire load of laundry from start to finish in less than an hour and a half since owning this new set.  This changed January 1st.

According to the Energy Star efficiency rating, our washing machine uses $16 worth of electricity per year based on 8 loads of laundry a week.  On average, we wash 4 loads of laundry each week.  I am not going to invest alot of time trying to minimize this use of energy.

What I am focusing on is lowering the amount we use our dryer.  Our dryer, though it is new, is not considered “energy efficient.”  There is nothing listed on the machine to show how much energy it uses each and every time we dry our clothes.  That being said, I have been hanging my clothes to dry on a quilt rack and wood drying racks exclusively in 2013.

 
My husband washes his own work clothes at least once a week.  I have attempted to take over this job of his, and so far, have been pretty successfully.  He prefers his clothes to be dried in the dryer; however, I dry them using the racks and then “fluff” them for 5-10 minutes in the dryer.  The “fluff’ mode does not use heat, so it is a win-win for us.  I would be extremely happy if the dryer gets used only once each week.

Oven
It takes a lot of energy to heat up and maintain a constant temperature in a conventional oven.  When I cook something that requires the oven, I am going to attempt to make more than one meal at a time in the oven.  I am using the crock pot more this year in place of using the oven as well as cooking in cast iron skillets on our wood burning stove.

Dishwasher
In the past, we ran the dishwasher 3-4 times a week.  No matter what setting I wash our dishes on (light wash or heavy wash), it takes about 2 hours from start to finish.  I have been washing the dishes by hand and let them dry in the dishwasher overnight.  Previously when we used the dishwasher, I had to pre-rinse anyway, so this isn’t so bad.  I am hoping that by running the dishwasher no more than once a week, we can see a visible change in our electric bill.

The electric company offers a “budget” each year where we have the option to pay one set amount each and every month throughout the year.  We do not take advantage of this offer.  Instead, we pay our bill based on our usage each month.  I feel this helps to keep us on track when it comes to lowering our consumption.  That being said, the only way to determine if we are actually lowering our use of electricity is to compare this year’s usage to our usage in 2012.  In 2012, we used 13,297 kilowatt hours of electricity. (WOW!) I would like to lower our use of electricity by 15% this year, decreasing our use to 11,302 kilowatt hours or less electricity. 

Propane
Our home is heated by a propane furnace.  Currently, we keep the thermostat very low (55 degrees) and heat only the rooms we are using.  If we are going to bed, we start up the potbellied wood-burning stove.  If we are in the family room, we use the propane logs in the fireplace to warm up the room.

I am proud to say that we are still using the same propane that we purchased back in the spring of 2012 to heat our home!  We will need to have the tank filled any week now, but until then, we are definitely saving on our use of propane so far this winter.  On average, we have our tank filled 3 times a year.  My goal is to lower that to just twice this year.


What other ways could we save on the use of our utilities?
I would love to hear your suggestions.